{"id":30277,"date":"2024-10-16T09:14:06","date_gmt":"2024-10-16T07:14:06","guid":{"rendered":"https:\/\/novassurance.ch\/?page_id=30277"},"modified":"2025-08-29T13:46:32","modified_gmt":"2025-08-29T11:46:32","slug":"assurance-ijm-suisse","status":"publish","type":"page","link":"https:\/\/novassurance.ch\/en\/assurance-ijm-suisse\/","title":{"rendered":"IJM"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"30277\" class=\"elementor elementor-30277\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f8f70e4 elementor-section-content-middle envato-kit-141-top-0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f8f70e4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-82084ef\" data-id=\"82084ef\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0547a2f elementor-widget-mobile__width-initial elementor-widget elementor-widget-image\" data-id=\"0547a2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/novassurance.ch\/\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"400\" height=\"250\" src=\"https:\/\/novassurance.ch\/wp-content\/uploads\/2024\/10\/Untitled-design-12.png\" class=\"attachment-large size-large wp-image-29783\" alt=\"Novassurance-logo\" srcset=\"https:\/\/novassurance.ch\/wp-content\/uploads\/2024\/10\/Untitled-design-12.png 400w, https:\/\/novassurance.ch\/wp-content\/uploads\/2024\/10\/Untitled-design-12-300x188.png 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-a6eda24\" data-id=\"a6eda24\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e6327d elementor-nav-menu__align-start elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"4e6327d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;&quot;},&quot;layout&quot;:&quot;horizontal&quot;,&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-horizontal e--pointer-none\">\n\t\t\t\t<ul id=\"menu-1-4e6327d\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-31004\"><a href=\"https:\/\/novassurance.ch\/en\/\" class=\"elementor-item menu-link\">Accueil<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31006\"><a href=\"https:\/\/novassurance.ch\/en\/agence-conseil-en-assurance\/\" class=\"elementor-item menu-link\">\u00c0 propos<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-31011\"><a aria-expanded=\"false\" href=\"https:\/\/novassurance.ch\/en\/assurance-entreprise-suisse\/\" class=\"elementor-item menu-link\">Entreprise<span role=\"button\" class=\"dropdown-menu-toggle ast-header-navigation-arrow\" tabindex=\"0\" aria-expanded=\"false\" aria-label=\"Menu Toggle\" aria-haspopup=\"true\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31016\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-lpp-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LPP<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31014\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-laa-et-laac-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LAA\/LAAC<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31013\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-ijm-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>IJM<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31020\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-rc-pro-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>RC Pro<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-31017\"><a aria-expanded=\"false\" href=\"https:\/\/novassurance.ch\/en\/assurance-particulier-suisse\/\" class=\"elementor-item menu-link\">Particulier<span role=\"button\" class=\"dropdown-menu-toggle ast-header-navigation-arrow\" tabindex=\"0\" aria-expanded=\"false\" aria-label=\"Menu Toggle\" aria-haspopup=\"true\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31015\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-lamal-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LAMal<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31009\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-complementaire-sante-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>Compl\u00e9mentaire<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31005\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-3e-pilier-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>3e pilier<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-32508\"><a href=\"https:\/\/novassurance.ch\/en\/simulateur-3e-pilier\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>Simulateur 3e pilier : combien allez-vous \u00e9conomiser en 2026 ?<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31021\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-rc-et-menage-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>RC\/M\u00e9nage<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31022\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-vehicule-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>V\u00e9hicule<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31019\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-protection-juridique-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>Protection juridique<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31012\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-expatries-suisse\/\" class=\"elementor-item menu-link\">Expatri\u00e9s<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31008\"><a href=\"https:\/\/novassurance.ch\/en\/blog-assurance-suisse\/\" class=\"elementor-item menu-link\">BLOG<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31262\"><a href=\"https:\/\/novassurance.ch\/en\/faq-assurance-suisse\/\" class=\"elementor-item menu-link\">FAQ<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31010\"><a href=\"https:\/\/novassurance.ch\/en\/contact\/\" class=\"elementor-item menu-link\">Contact<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open e-font-icon-svg e-eicon-menu-bar\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 333H896C929 333 958 304 958 271S929 208 896 208H104C71 208 42 237 42 271S71 333 104 333ZM104 583H896C929 583 958 554 958 521S929 458 896 458H104C71 458 42 487 42 521S71 583 104 583ZM104 833H896C929 833 958 804 958 771S929 708 896 708H104C71 708 42 737 42 771S71 833 104 833Z\"><\/path><\/svg><svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close e-font-icon-svg e-eicon-close\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M742 167L500 408 258 167C246 154 233 150 217 150 196 150 179 158 167 167 154 179 150 196 150 212 150 229 154 242 171 254L408 500 167 742C138 771 138 800 167 829 196 858 225 858 254 829L496 587 738 829C750 842 767 846 783 846 800 846 817 842 829 829 842 817 846 804 846 783 846 767 842 750 829 737L588 500 833 258C863 229 863 200 833 171 804 137 775 137 742 167Z\"><\/path><\/svg>\t\t\t<span class=\"elementor-screen-only\">Menu<\/span>\n\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-4e6327d\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-31004\"><a href=\"https:\/\/novassurance.ch\/en\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">Accueil<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31006\"><a href=\"https:\/\/novassurance.ch\/en\/agence-conseil-en-assurance\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">\u00c0 propos<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-31011\"><a aria-expanded=\"false\" href=\"https:\/\/novassurance.ch\/en\/assurance-entreprise-suisse\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">Entreprise<span role=\"button\" class=\"dropdown-menu-toggle ast-header-navigation-arrow\" tabindex=\"0\" aria-expanded=\"false\" aria-label=\"Menu Toggle\" aria-haspopup=\"true\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31016\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-lpp-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LPP<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31014\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-laa-et-laac-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LAA\/LAAC<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31013\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-ijm-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>IJM<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31020\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-rc-pro-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>RC Pro<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-31017\"><a aria-expanded=\"false\" href=\"https:\/\/novassurance.ch\/en\/assurance-particulier-suisse\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">Particulier<span role=\"button\" class=\"dropdown-menu-toggle ast-header-navigation-arrow\" tabindex=\"0\" aria-expanded=\"false\" aria-label=\"Menu Toggle\" aria-haspopup=\"true\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31015\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-lamal-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LAMal<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31009\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-complementaire-sante-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>Compl\u00e9mentaire<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31005\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-3e-pilier-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>3e pilier<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-32508\"><a href=\"https:\/\/novassurance.ch\/en\/simulateur-3e-pilier\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>Simulateur 3e pilier : combien allez-vous \u00e9conomiser en 2026 ?<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31021\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-rc-et-menage-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>RC\/M\u00e9nage<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31022\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-vehicule-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>V\u00e9hicule<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31019\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-protection-juridique-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>Protection juridique<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31012\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-expatries-suisse\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">Expatri\u00e9s<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31008\"><a href=\"https:\/\/novassurance.ch\/en\/blog-assurance-suisse\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">BLOG<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31262\"><a href=\"https:\/\/novassurance.ch\/en\/faq-assurance-suisse\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">FAQ<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31010\"><a href=\"https:\/\/novassurance.ch\/en\/contact\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">Contact<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-4ca39d4\" data-id=\"4ca39d4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3e13aa7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3e13aa7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-a74a1fa\" data-id=\"a74a1fa\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0d952f2 elementor-align-center elementor-mobile-align-right elementor-widget-mobile__width-initial elementor-widget elementor-widget-button\" data-id=\"0d952f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-xs\" href=\"tel:022%20552%2033%2050\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">022 552 33 50<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<header class=\"elementor-section elementor-top-section elementor-element elementor-element-6c5828db elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"6c5828db\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;background_motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;background_motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-543601f3\" data-id=\"543601f3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-58ab2566 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"58ab2566\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">IJM<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4deb52 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a4deb52\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:50}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Assurance IJM Suisse<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/header>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-24db83f1 envato-kit-141-top-0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24db83f1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4fd91438\" data-id=\"4fd91438\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79f3bf2 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"79f3bf2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:50}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Assurance IJM Suisse<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f4e7b8 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0f4e7b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:50}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">S\u00e9curisez votre avenir<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57904905 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"57904905\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Qu'est-ce que l'Indemnit\u00e9 Journali\u00e8re Maladie (IJM)?<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17a664cc elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"17a664cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1985d320 elementor-widget elementor-widget-text-editor\" data-id=\"1985d320\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;Indemnit\u00e9 Journali\u00e8re Maladie (IJM) joue un r\u00f4le essentiel non seulement pour les employ\u00e9s, mais \u00e9galement pour les entreprises. Voici quelques points soulignant son importance :<\/p><p>1. <strong>S\u00e9curisation des Employ\u00e9s<\/strong><\/p><ul><li><strong>Protection Financi\u00e8re<\/strong> : L&rsquo;IJM offre une s\u00e9curit\u00e9 financi\u00e8re aux employ\u00e9s en cas de maladie, ce qui contribue \u00e0 leur bien-\u00eatre. Des employ\u00e9s rassur\u00e9s sont g\u00e9n\u00e9ralement plus motiv\u00e9s et moins stress\u00e9s.<\/li><li><strong>Attraction et R\u00e9tention des Talents<\/strong> : Des prestations d&rsquo;indemnit\u00e9s journali\u00e8res attractives sont un atout pour attirer de nouveaux talents et fid\u00e9liser les employ\u00e9s existants.<\/li><\/ul><p><strong>2. R\u00e9duction de l&rsquo;absent\u00e9isme<\/strong><\/p><ul><li><strong>Gestion des Risques<\/strong> : En offrant une couverture maladie ad\u00e9quate, les entreprises peuvent r\u00e9duire le risque d&rsquo;absent\u00e9isme prolong\u00e9. Les employ\u00e9s se sentiront plus \u00e0 l&rsquo;aise de prendre un cong\u00e9 pour se remettre totalement de leur maladie.<\/li><li><strong>Pr\u00e9vention des Maladies Chroniques<\/strong> : Un soutien financier permet aux employ\u00e9s de prendre le temps n\u00e9cessaire pour se soigner, ce qui peut pr\u00e9venir des complications et des maladies chroniques.<\/li><li style=\"list-style-type: none;\">\u00a0<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f195c43 envato-kit-141-top-0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f195c43\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-44c1dfa7\" data-id=\"44c1dfa7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7985b1bc elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"7985b1bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:50}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Gestion RH<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1de0b29a elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"1de0b29a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi l'IJM est-elle importante ?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3de179c1 elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"3de179c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:150}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a9db692 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"a9db692\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d8c6206\" data-id=\"d8c6206\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d5723cc elementor-widget elementor-widget-text-editor\" data-id=\"d5723cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;Indemnit\u00e9 Journali\u00e8re Maladie est un \u00e9l\u00e9ment cl\u00e9 dans la gestion des ressources humaines et des finances d&rsquo;une entreprise. En investissant dans une couverture IJM, les entreprises non seulement prot\u00e8gent leurs employ\u00e9s, mais elles renforcent \u00e9galement leur propre stabilit\u00e9 et leur succ\u00e8s \u00e0 long terme. Pour toute question ou pour explorer des options d&rsquo;assurance adapt\u00e9es, n&rsquo;h\u00e9sitez pas \u00e0 nous contacter.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-f44e7ea elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"f44e7ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:50}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Assurance IJM Suisse<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-36e748fd\" data-id=\"36e748fd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-69e79658 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"69e79658\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:350}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/novassurance.ch\/wp-content\/uploads\/elementor\/thumbs\/5-quys72yxzu9egkjqhhue6bczyp1qappt3j2xp92ms2.png\" title=\"5\" alt=\"5\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f14b81f elementor-shape-rounded elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"5f14b81f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook elementor-repeater-item-5bed563\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-facebook\" aria-hidden=\"true\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-twitter elementor-repeater-item-a4a48a6\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Twitter<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-twitter\" aria-hidden=\"true\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-63a961a\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-linkedin\" aria-hidden=\"true\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-instagram elementor-repeater-item-fa71646\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Instagram<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-instagram\" aria-hidden=\"true\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d821540 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d821540\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-d327341\" data-id=\"d327341\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-21947c5 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"21947c5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:400}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-narrow\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4739fb6\" data-id=\"4739fb6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-091006d\" data-id=\"091006d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-40938a1 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"40938a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Demandez votre <\/br>devis personnalis\u00e9 !<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92b87fb elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"92b87fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Remplissez notre formulaire en ligne pour prot\u00e9gez <br>ce qui compte le plus pour vous avec une couverture adapt\u00e9e.<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a50b32e elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"a50b32e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-be00e31 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"be00e31\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:400}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-narrow\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0f500e2\" data-id=\"0f500e2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7217b78 elementor-align-center elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"7217b78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/novassurance.ch\/contact\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Devis Gratuit<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-0bac33f elementor-widget elementor-widget-html\" data-id=\"0bac33f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\r\n{\r\n  \"@context\": \"https:\/\/schema.org\",\r\n  \"@type\": \"Service\",\r\n  \"name\": \"Assurance IJM Suisse\",\r\n  \"serviceType\": \"Indemnit\u00e9s journali\u00e8res maladie (IJM) pour entreprises\",\r\n  \"description\": \"Mise en place et gestion d'assurances indemnit\u00e9s journali\u00e8res maladie (IJM) en Suisse : couverture des salaires en cas d'absence, coordination avec la LPP et politiques RH.\",\r\n  \"url\": \"https:\/\/novassurance.ch\/entreprises\/ijm\/\",\r\n  \"areaServed\": \"CH\",\r\n  \"category\": \"Assurance entreprise \u2022 Sant\u00e9 et pr\u00e9voyance\",\r\n  \"provider\": {\r\n    \"@type\": \"InsuranceAgency\",\r\n    \"name\": \"Novassurance\",\r\n    \"url\": \"https:\/\/novassurance.ch\",\r\n    \"logo\": \"https:\/\/novassurance.ch\/wp-content\/uploads\/logo.png\",\r\n    \"contactPoint\": {\r\n      \"@type\": \"ContactPoint\",\r\n      \"telephone\": \"+41 22 123 45 67\",\r\n      \"contactType\": \"customer service\",\r\n      \"availableLanguage\": [\"fr\",\"en\"]\r\n    }\r\n  },\r\n  \"audience\": {\r\n    \"@type\": \"BusinessAudience\",\r\n    \"name\": \"Employeurs, PME et directions RH\"\r\n  },\r\n  \"offers\": {\r\n    \"@type\": \"Offer\",\r\n    \"priceCurrency\": \"CHF\",\r\n    \"availability\": \"https:\/\/schema.org\/InStock\",\r\n    \"url\": \"https:\/\/novassurance.ch\/entreprises\/ijm\/\"\r\n  }\r\n}\r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-96ffe5d\" data-id=\"96ffe5d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-dbff3c7 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"dbff3c7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:400}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-narrow\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-a2e2e1d\" data-id=\"a2e2e1d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>022 552 33 50 IJM Assurance IJM Suisse Assurance IJM Suisse S\u00e9curisez votre avenir Qu&rsquo;est-ce que l&rsquo;Indemnit\u00e9 Journali\u00e8re Maladie (IJM)? L&rsquo;Indemnit\u00e9 Journali\u00e8re Maladie (IJM) joue un r\u00f4le essentiel non seulement pour les employ\u00e9s, mais \u00e9galement pour les entreprises. Voici quelques points soulignant son importance : 1. 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